California Hard Money Direct

Very Unethical And Low Class Service

Judy Robbins worked with me, she was completely unethical. From our first call I was clear that I am looking for a Fixed 30 year loan with a rate lower than what I already have (8.99% fixed for 30 years).

AFTER she checked my credit, she replied with the following offer by email: “Dear Sameh,
The lender has conditionally approved your loan.

They are approving you for a loan based on 70% Loan to value.

They used the value of $500,000 when they did the numbers.

If your property appraisal comes back higher than $500,000 you will get more money and if it comes back at less your number will drop.

For now, they approve you for a loan of $350,000 based on a $500,000 value.

Interest rate will be 8.24% fully amortized for 30 years.

Plus 2 points, $1995 underwriting, $600 loan processing & $795 for administrative fees.

You will need to pay for the appraisal directly to the appraisal company.

I will need to arrange it for you. I don’t have the cost for it yet but it will somewhere between $595.00 & $750,00.”

This was clear to me that the loan interest is 8.24% for the life of the loan. She NEVER mentioned adjustable rate.

But when I received the loan approval letter today, I found out that it is for a 3 year ARM, then adjustable rate every 6 months.

And to make things worse, after I confronted her with the facts, she tried to blame me that I told her that my credit score was higher, but she had already run my credit BEFORE sending me the above quoted email.

And even worse, she tried to say that English is not my first language and that I misunderstood her, and that proves that she is a racist because of my accent.

Very unethical and low class service.

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2 reviews on California Hard Money Direct

  1. Judy is the Best!!!

    Judy is the Best!!! If anyone’s going to get it done she will!!! Ours was the most difficult to get done, we didn’t even think it was possible until California Hard Money Direct stepped in and completed the process in which was very smooth thanks Judy !!

  2. Scammer

    After getting an insanely expensive quote from another lender, I am so glad I searched further and found Judy at CA HARD Money Direct. It was several points difference in fees! Judy was super efficient and she delivered what she promised.

    I had my doubts about rates she verbally told me over the phone in our first conversation, but she had no problem when I requested that she reconfirmed it in writing for me right away before I proceeded with getting her what she needed. There was no time wasting/convoluted language – just straight forward language which I greatly appreciated. I

    t was a very non-invasive transaction and we closed in approx. 2 weeks. I will definitely use her for future real estate investments and refer her to my clients!

Ventura Boulevard 13547
Los Angeles 91423 CA US
Get directions
Reported Loss :5444 $
Severity of Scam :Extremely High
Reported by : Anonymous
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